| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.4 pts |
| Loan growth (YoY) | -2.9% | +5.6% | -8.5 pts |
| ROA | 3.46% | 1.24% | +2.2 pts |
| ROE | 20.4% | 11.9% | +8.6 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $478.3M | $369.7M | $144.8M | $83.1M | $8.2M | 3.46% | 3.72% | 0.75% |
| Q1 2026 | $471.2M | $377.7M | $142.3M | $78.8M | $3.3M | 2.78% | 3.66% | 0.77% |
| Q4 2025 | $478.8M | $384.6M | $139.8M | $79.5M | $18.0M | 3.82% | 3.77% | 0.73% |
| Q3 2025 | $473.6M | $361.5M | $148.0M | $77.5M | $12.6M | 3.58% | 3.79% | 0.73% |
| Q2 2025 | $472.6M | $364.1M | $149.1M | $71.3M | $6.8M | 2.91% | 3.75% | 0.72% |
| Q1 2025 | $463.2M | $374.5M | $149.1M | $70.5M | $2.6M | 2.20% | 3.73% | 0.78% |
| Q4 2024 | $463.1M | $374.9M | $155.1M | $71.2M | $14.6M | 3.15% | 3.78% | 0.79% |
| Q3 2024 | $459.2M | $359.5M | $154.0M | $69.7M | $10.5M | 3.02% | 3.79% | 1.11% |
Loan mix (Q2 2026): real estate $113.8M · commercial $7.7M · consumer $4.7M · securities $267.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.46% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 20.4% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 62.9% | 77th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Spends 3.9× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
68 branches in 37 counties across 9 states (-4 vs 2025) · $369.7M branch deposits. Biggest market: Comanche, OK, ranked 7th with 6.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Comanche, OK | 6 | $222.9M | 6.79% | 7th |
| Wichita, TX | 2 | $36.9M | 0.72% | 14th |
| Cumberland, NC | 5 | $21.2M | 0.28% | 21st |
| 34 more counties with Pro → | ||||
Oklahoma: 114th with 0.13% · Tennessee: 221st with 0.02% · Texas: 656th with 0.00% · North Carolina: 131st with 0.00% · Delaware: 42nd with 0.00% · Mississippi: 131st with 0.01% · Louisiana: 233rd with 0.00% · Georgia: 276th with 0.00% · Arkansas: 165th with 0.00% · Lawton metro: 7th, 6.63% · Wichita Falls metro: 16th, 0.68% ·
Branch count: 2022 83 · 2023 77 · 2024 76 · 2025 72 · 2026 68